Gross domestic product (GDP) has fallen dramatically and it is not expected to return to normal levels until at least 2018. At that time, the cumulative shortfall in GDP relative to potential GDP is expected to reach $5.7 trillions.The actual costs of another crisis are almost certain to be far greater than what we have incurred since 2007.The unemployment rate skyrocketed to 10.1% in October of 2009, representing 15.4 million workers, many of whom have become members of the permanently unemployed.By 2018, the U.S. national debt will increase by $8 trillion or 53% of U.S. GDP in 2011 due to the combined effects of government expenditures and reduced revenues as a result of the financial crisis.The human anguish caused by the financial crisis has been enormous and incalculable (Kelleher , 2012).